San Francisco’s richest zip codes

This 1,074-foot view condo at 400 Beale Street in the 94105 zip code sold on May 19 for $1.55 million. It was listed May 2 at $1.225 million.

This 1,074-foot view condo at 400 Beale Street in the 94105 zip code sold on May 19 for $1.55 million. It was listed May 2 at $1.225 million.

Photo: SFARMLS

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The open concept entertaining space takes advantage of the apartment's stellar views from the 20th floor.

The open concept entertaining space takes advantage of the apartment's stellar views from the 20th floor.

Photo: SFARMLS

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The views can be seen from the kitchen as well.

The views can be seen from the kitchen as well.

Photo: SFARMLS

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Views are also on display in both of the condo's bedrooms.

Views are also on display in both of the condo's bedrooms.

Photo: SFARMLS

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The balcony

The balcony

Photo: SFARMLS

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The condo is in the Bridgeview building, which offers a spa, pool, health club and concierge services.

The condo is in the Bridgeview building, which offers a spa, pool, health club and concierge services.

Photo: SFARMLS

San Francisco's richest zip codes

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With a median household income of $142,400, 94105, which includes South Beach and Yerba Buena, takes the prize as San Francisco’s richest zip code, according to demographic data recently released from Paragon Real Estate.

That’s especially impressive since the SoMa zip also has the smallest average household size of 1.6 residents per housing unit. Not surprisingly, the zip ranks second in the percentage of residents 25 or older with bachelor degrees: 82%. The Presidio (94129) barely eked out the win in that category, with 83%. But South Beach still did better than the Presidio in graduate degrees, with 35% of residents. Only 94114 (Noe and Eureka Valleys) had more, with 38%.

Courtesy Paragon

Interestingly, 94127 (St. Francis Wood-Miraloma) came in much lower on education, with only 65% of residents having a bachelor’s degree or higher, though 30% of residents have a graduate degree. The zip had the second-highest household median income in the city: $128,100. It also had by far the highest percentage of home ownership: 82%. The next-highest percentage of home ownership was in nearby 94116 (Parkside-Forest Hill) with 67%.

Treasure Island (94130) and the Presidio obviously had the lowest percentage of home ownership with 0%. They also had the youngest median ages in the city: 28 for Treasure Island and 31 for the Presidio. Bayview (94124) was third-youngest at 33, and also came in near the bottom of median incomes at $46,700, but still had a relatively high homeownership rate of 49%. (San Francisco’s overall homeownership rate is 37%.)

Some zip codes include vastly different neighborhoods, which can skew the data enormously. For example, 94102 includes Hayes Valley, Mid-Market, the Tenderloin and Civic Center. The zip code had the city’s lowest median household income at $22,300, despite the fact that Hayes Valley had an average median sales price this quarter of $905,000. (Perhaps not surprisingly, the zip only has 7% homeownership.)

In its report, Paragon addresses the demographic downside of comparing neighborhoods by zip codes. It admitted: “When mixing very different neighborhoods together, you often end up with statistics that don’t really apply to any of them. Zip codes are relatively blunt instruments for demographic investigation, but we still found the analysis to generate interesting, new insights into San Francisco, our ever-changing city.”

Emily Landes is a writer and editor who is obsessed with all things real estate. She also has a DIY problem that she blogs about at pritical.com.